Kotak Mobile Banking App vs DCU Digital Banking Usage & Stats

The Kotak Mobile Banking App, a best in class App, provides banking on the go, which is a must in today’s digital era. If you are not an existing Kotak customer, you can open a Kotak Savings account or an 811 digital bank account by visiting your nearest branch. If you are an existing Kotak customer, you can use the 250+ features of the app to Bank, Pay bills, Invest, Shop and access services. One of our recent additions to the 250+ features is our new Pay Your Contact feature, where you can now send money to anyone using just their mobile Number • Bank on the go: Manage all your financial transactions, send and receive money through NEFT, IMPS and RTGS & UPI, request for a cheque book and much more • Pay your bills: Pay your Mobile Recharge, DTH payments and other bills with the online BillPay feature. Also, use the AutoPay feature to remember your monthly bills and pay them automatically from your account. Never miss a deadline again • Services: Instant completion on requesting for services such as updation of profile details, switching on/off of your Debit/Credit Card online There's a lot more you can do with our Mobile Banking App: • Transfer money instantly using BHIM UPI without the need for any bank information • Transfer funds easily on the go without registering a beneficiary • Send money with Pay Your Contact, by just knowing your beneficiary’s mobile number • Book train tickets (IRCTC Authorized Partner), Flight tickets, Bus tickets, Hotels. Shop on Amazon, Flipkart, BigBasket, and more in KayMall • Recharge your mobile & DTH subscriptions with ease • Purchase and redeem Mutual Funds and keep track of your investments • Apply for a Kotak Credit Card • Regenerate your Debit and Credit card PINs • In case of loss, temporarily switch off your Kotak Debit Card for security purpose • Pay Credit Card bill online • Check your Bank Account statement • Check your account balance • Pay your bills, open a Term Deposit • Post opening Account, go to Manage Profile and Click a selfie or upload your photo to set as profile picture And that’s not all! Mid-month cash crunch or an emergency? Get your salary in advance! Kotak Payday Loan is available with just a few taps. Repay the loan when your salary gets credited next month.. Features of Payday Loan: • Get a loan within seconds starting at Rs.3,000 • Pay interest as low as Re.1 per day • Avail loan with no documentation Eligible users can apply from the ‘Apply Now’ section. Get started: To get started, you just need your Customer Relationship Number (CRN), your Debit / Credit Card PIN or your Net Banking password to get started. The app will take you through a one-time activation process when you login for the first time. Kotak Bank App requires following permissions: - Contacts: This is required to allow you fetching mobile number while mobile / DTH recharge or sharing IFSC/MMID - Location: This is required for Branch / ATM locator - Photos / Media / Files / Camera: This is required to let you access gallery / click an image to set profile picture. - Phone: This is required to let you dial customer contact center - SMS: This is required to auto activate the device during activation process. - Read SMS : This will be applicable for select customers and basis customers' specific consent, KMB App will access device level alternate data for credit risk assessment and decisioning towards better product offering. Please note that your data is safe with Kotak Mahindra bank. We do not share any information with third party without your initiation.

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DCU Digital Banking

DCU’s digital banking platform brings together innovative tools and unique features that put you in the financial driver’s seat. You can deposit checks, transfer money, view your balance – and a whole lot more. TAKE CONTROL OF YOUR MONEY • FutureLook™ helps you see into your financial future with an easy-to-read forecast based on your current choices. • Our easy-to-use Payment Planner can help you pay off your loans even faster. • You can create strategic financial goals and review your progress every step of the way. STREAMLINE MONEY MANAGEMENT Explore new ways to manage your money and achieve financial wellness. • Holistic view of your finances. • All of your accounts in one place – including ones at other financial institutions. • Seamless payments. With a unique-to-you digital banking experience that focuses on your money’s future, you can plan for whatever life throws your way. DCU Digital Banking is here to give you financial peace of mind. --- FUTURELOOK™ FutureLook™ provides insight into your spending habits with an easy-to-read forecast based on your current choices. You’ll be able to answer simple questions about what you can afford and see the potential benefit of paying more towards your loans and/or credit cards – in real time. Specifically, FutureLook™ identifies your recurring income (e.g., paychecks), recurring expenses (e.g., electric bill), and average daily spending (e.g., the morning coffee run). By doing so, you can see your estimated checking account balance one month into the future (on a daily basis) and one year into the future (on a monthly basis). All in all, FutureLook™ is a unique tool that helps you see how your money could better serve you. PAYMENT PLANNER Our easy-to-use payment planner will help answer questions like: • “If I paid more on my auto loan, how much interest would I save?” • “If I only make the minimum payment, when will I be debt-free?” • “How quickly can I pay off my loan?” GOALS We make it easy to focus on your life goals with a digital banking experience that was designed for you. You can create strategic financial goals and review your progress every step of the way. No matter what you’re saving money for, we can help you create a personalized action plan that works for you. OTHER STANDARD FEATURES - Manage Quick Balance accounts - Find branches and ATMs nearby - Deposit Checks* - View balances, current and pending transactions, and account history - Transfer funds - Pay Bills - Make a loan payment - View important messages and account alerts - Update your contact information - Add Travel Notifications to avoid unnecessary fraud alerts while you’re away - Apply for loans and view your preapproval offers - Make a balance transfer to your DCU Visa Platinum Card *Upon approval. All deposits are subject to DCU’s Funds Availability Policy.